Eric Wasserstrom | Head, Investor Relations |
Roger Hochschild | Chief Executive Officer |
John Greene | Chief Financial Officer |
Sanjay Sakhrani | KBW |
Ryan Nash | Goldman Sachs |
John Pancari | Evercore ISI |
Bill Carcache | Wolfe Research |
Betsy Graseck | Morgan Stanley |
Mark DeVries | Barclays |
Don Fandetti | Wells Fargo |
Rick Shane | JPMorgan |
Mihir Bhatia | Bank of America |
John Hecht | Jefferies |
Meng Jiao | Deutsche Bank |
Moshe Orenbuch | Credit Suisse |
Kevin Barker | Piper Sandler |
Dominick Gabriele | Oppenheimer |
Good morning. My name is Maria and I'll be your conference operator today. At this time, I would like to welcome everyone to the First Quarter 2021 Discover Financial Services Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session.